Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Gasoline Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Credit Cards Issued By Comenity Bank (formerly World Financial Network National Bank / WFNNB)

victorias_secret_credit_card2Comenity Bank (formerly World Financial Network National Bank, or WFNNB) is the company behind many retail store credit cards. When you become a credit card customer of J.Crew, Victoria’s Secret, or one of their other partner retailers, you actually become a customer of Comenity Bank, because Comenity is actually issuing the card. Comenity Bank credit cards include:

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Instant Approval Credit Cards

yesterday2Instant approval credit cards can mean one of two things:

  • You get approved today but don’t get the card until later.
  • You get approved today and can instantly begin using your new credit line.

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Credit Cards Issued by Synchrony Bank (formerly GE Capital Retail Bank)

synchrony-bank-logoSynchrony Bank (formerly GE Capital Retail Bank) is the bank that is “really” behind many of the most popular retail credit cards out there. This means that if you have one of these cards, it is Synchrony Bank that is extending you credit and it is Synchrony you will be dealing with in the future, not the company whose name is on the front of the card. Synchrony Bank credit cards include:

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Fair Credit Score Credit Cards

credit-cards-smallEvery credit card company has its own definition of what is a “fair” or “average” credit score. Even the credit reporting industry has no set standard of what is “fair” credit, although scores in the 640 – 700 range are generally mentioned as being fair, a step below “good” or “excellent” scores.
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Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
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Is a credit score different from a FICO score?

credit-scoreIf you’ve applied for a new credit card or mortgage or car loan recently, you might know that lenders use your credit score to help determine whether to give you the loan. You may heard the term “FICO score” as well. And you may have the term “credit report”. Are these all the same thing?
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Review: Lovesac Credit Card

lovesac-credit-cardIf you are a fan of Lovesac chairs, sectionals and other “alternative furniture”, you will be happy to know that LoveSac does allow you to buy on credit. Our overview / review of the Lovesac credit card is below:

The first thing to understand about the Lovesac credit card is that it can only be used for Lovesac purchases; it is not accepted anywhere else. This is a strike against it — cards with limited acceptance can negatively affect your credit score (especially if your credit is shaky) without giving you much of a benefit in return.
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QVC Credit Card Payment, Login, and Customer Service Information

qvc-credit-cardIf you are a holder of the QVC QCard credit card and want to make a payment online or by mail, or need customer service help, you will go through QVC’s issuing partner, Synchrony Bank (formerly known as GE Capital Retail Bank). All of the info you’ll need is below:

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Are You Better Off Filling Out An Online Credit Card Application or Waiting For Credit Card Applications In The Mail?

credit-cards-smallAt a previous job reporting on credit cards, I was chided by a rep from one card company for discussing the specifics of certain credit card offers, such as interest rate, rewards program terms, introductory rates, etc. His logic was this: the credit card offers that you see on the Internet are not necessarily the same as the credit card offers that come to your mailbox, so it was impossible to specify the terms for any particular card.

For example, you might go to one of the big banks’ Web sites and decide to apply for a rewards credit card only to get an offer in the mail days later that actually offers a better rewards formula. Or you might see an offer for a 0% rate on purchases for 6 months online, only to get a mail offer of 0% on card purchases for 12 months. Conversely, you might get rejected for a card offer online, only to get mail days later from the same company offering you the same card with slightly worse terms than the card you saw online.
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HH Gregg Credit Card Payment, Login, and Customer Service Information

hh-gregg-logoThe HH Gregg credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will interact with when it comes to paying your bill online or by mail, or if you need customer service assistance. Below you’ll find all the information you need to complete any of these tasks:

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